Disasters can happen to anyone at any time, no matter how many precautions you take. Fires, tornadoes, lightning strikes, and high winds are all very real possibilities here in Northeast Ohio. These catastrophes can cause a large amount of damage to your home and possessions. Thankfully, homeowners insurance provides coverage in case of such disasters. Most likely your home is your most valuable asset and I’m sure you’ve put a lot of time, effort and money into it. Don’t let all your hard work be swept away. Even if your home were to be destroyed by a tornado, it doesn’t mean that your financial security has to also. Here at McMichael Insurance, we will strive to ensure that your home is covered in the event of such unthinkable tragedies.

The basic homeowners policy includes coverage for your home, garage and outbuildings, as well as your possessions. In case of a fire or some other disaster that leaves your family without a place to live, coverage will also provide payment for temporary living expenses. Another critical coverage element of the homeowner policy is the liability protection afforded to you and family residents. Liability will provide financial payment on your behalf in the event you or family residents are legally responsible for the injuries of another or damage to their property.

Different coverage options and their definitions may be viewed by clicking the above tab.  These basic definitions will give you a good start in your understanding and assist in selecting the right coverage, amounts and deductibles.